Agent Payment Security: Rules for AI-Initiated Refunds, Wires, and Stablecoin Transfers
AI agents can now move money via x402, Stripe Agentic, wire APIs, and USDC. Here's the 10-rule runtime policy pack that keeps them survivable under PSD3, Reg-E, and OFAC.
97% of agent-payment incidents in 2026 auditor postmortems trace to one of three missing controls: no per-agent daily cap, no 2-of-N on high-value flows, or no allowlist on destination addresses.